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53 Cross St, Westerly, RI 02891 Property Records

Westerly Town property record for 53 Cross St, Westerly, RI 02891 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,286 sqft · built 1918
Lot Size0.188 acres (8,178 sqft)
OwnerIndividual Name on File
Last Sale$175,000 (Apr 2011)
Tax Bill$2,683 (2025)
Deeds & MortgagesFeb 2021 Refinance
Sep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APNWEST M:77 B:135

Property Details

APN / Parcel Number

Primary APNWEST M:77 B:135
Alternative APNs
  • M:077 B:135 L
  • 2192475

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,286 sqft Living Area
Gross Area2,982 sqft

Exterior

Year BuiltBuilt 1918
Effective Year BuiltEffective 1918
Architectural StyleConventional
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,178 sqft (0.188 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number2192475
Street Address53 CROSS ST
CityWESTERLY
StateRI
Zip02891-2333
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block135
JurisdictionWESTERLY RI
Township / Civil DivisionWESTERLY
Census Block Group1
Census Block1004
Census Tract50802

Owner

Source: Westerly Town records · APN WEST M:77 B:135

Assessment roll updated June 22, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address53 CROSS ST, WESTERLY, RI 02891-2333
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 25, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
HARBORONE MORTGAGE
Sep 05, 2018Deed of Trust, Mortgage · Conventional with PMI
COASTWAY CMNTY BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 01, 2011 · Amount on Record
Deed SaleApr 01, 2011 · Amount on Record
Prior SaleAug 02, 2010 · Amount on Record
Deed Book / Page1891 / 275
Transfer Doc2895
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address53 CROSS ST, WESTERLY, RI 02891-2333
Transaction TypeMortgage
Record UpdatedMar 11, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2021-4991
DateFeb 25, 2021
Book Page2021/4991
Instrument2021-1097
Lender
NameHARBORONE MORTGAGE
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWESTERLY RI
Property Address53 CROSS ST, WESTERLY, RI 02891-2333
Document Number2018-4736
Instrument DateSep 05, 2018
Transaction TypeMortgage
Record UpdatedSep 28, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address53 CROSS ST WESTERLY RI 028912333, WESTERLY, RI 02891-2333

Mortgage

Document Number2018-4736
DateSep 06, 2018
Book Page002018/014736
Instrument3722
Lender
NameCOASTWAY CMNTY BK
TypeBank
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 05, 2048

Tax Assessment & Valuation

Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateRhode Island
County SubdivisionWesterly Town
Unified School DistrictWesterly School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$2,683.00 (-0.37%)$344,800 (+30.06%) Land $152,400 Building $192,400
2023$2,693.00 (+0.56%)$265,100 (-) Land $109,000 Building $156,100
2022$2,678.00$265,100 Land $109,000 Building $156,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, County delivery 44009C, updated December 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 440090508021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims12 (1981–2012)
Claims Outside the SFHA1 of 12
Most Recent ClaimOct 2012, tidal / storm surge, Hurricane Sandy
Claims By Storm
  • Hurricane Sandy, Oct 2012 · 3 claims
  • Hurricane Bob, Aug 1991 · 4 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 329 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFiber980 / 880
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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